Unpopular Opinion

What's the difference between an unpopular opinion and a wrong opinion?

Without MFA, hundreds of thousands more accounts if not millions would be completely compromised. That is just a fact because most people choose horrible and/or completely the same password for everything. Bank account details, credit card info, social security or government ID numbers, etc...

It doesn't have to be as bad as email or SMS. TOTP has been a standard for a very long time and there are a dozen apps for it. Simply enter the app, copy the code, done. SMS and email are less secure anyways.

American companies seem particularly allergic to TOTP for some reason...

I think this is highly dependent on what you're logging into.

Bank account? Please require both. Some account on a random store website? Could not care less about security, I just want to buy socks.

Password databases will be leaked. That's just a fact of the world today.

2fa allows you to have either one of your login methods fail without your account getting compromised.

It sucks but I don't know of a better system (other than physical cryptographic keys which is not going to be an option for most consumers)

Bad idea.

Lets say you get your way and you have an username or phone number that identifies you and only your phone client that authenticates you. If I can get your username/phone number, I can try to log into your account from my device. I can either just spam you incessantly until you accidentally authorize my device, or I can be very stealthy and when you are logging in from your device, I'll immediately send a request my own. You will authorize my device thinking its the one you're logging into.

You provide something you know (password) and something you have (random code) or something you are (biometric). This is really far safer.

I'm ok with 2 factor, but the reliance on text messaging needs to end. For one it's not secure. Two, cell service isn't always available whereas an internet connection may still be.

Honestly, I think not having MFA required for any account anywhere ever is bad practice. As others have mentioned MFA is something you know, something you own, something that's you, and somewhere you are. Password or pin, phone or digital key, biometric like a fingerprint or face, geolocation or IP address. Having more than one of these things makes getting into your account harder. If you only need a password, then that's all someone needs to figure out to get into your account, same with all the other examples. I feel like it's pretty straight forward, but I tried my best to explain why we do need both...

If you run a server with thousands of users interacting with each other and someone gains access to all their accounts, what's the harm? I don't care if someone gets access to what I have access to through the account on x website, so it doesn't matter right? Well what if real user accounts were used as bots to push propaganda or silence a competitor, damaging the community you're hosting on your server, or posting bad reviews on products, etc. you lose trust in that community or website.

Idk, to me, there is a bigger picture that requiring secure accounts produces, and I think it helps me have more trust in the website I'm joining and want to be part of. It's just about helping ensure genuine interactions, it'd be nice if it was guaranteed, but it at least helps me feel assured.

tldr; MFA is important for securing the things inside of an account, but it's also important for creating confidence and trust in who or what you're interacting with on a website.

Especially when They're already in there, mining every iota with impunity. 🤷🏼‍♂️

Phone verification is a KYC tool... Never do it unless it is a critical service.